best performing mutual funds 10 years

10 best-performing mutual funds to invest in India this year

Mutual funds are arguably the best investment options available for investors in terms of ease of investments and different risk/return paradigms available. Depending upon your risk profile and longevity of holding period, you can chose between various debt, equity and balanced funds.

However, “choose the fund that best suits your time-frame and risk appetite. Remember that equity funds require a holding period of at least 5 years, balanced funds need 3-4 years, and debt funds 2-3 years,” says Bhavana Acharya, Analyst–Mutual Fund Research, FundsIndia.com.

For those looking for funds to invest in this year, FundsIndia.com has prepared a list of 10 best funds available in the market today. The list has considered funds’ consistency over the long term, volatility, ability to deliver returns commensurate with risk levels, and investment style, and is a mix of pure equity, pure debt, and balanced funds.

Here Are 5 Best Performing Mutual Funds To Invest In:

1. ICICI Prudential Focused Bluechip Equity (Large-cap equity fund)

This is a pure large-cap fund. Given that mid-caps are overheated and likely to correct further, sticking to large-caps is a prudent move. Rolling ICICI Focused Bluechip’s returns for a three-year period over the past five years, the fund has been well ahead of both its benchmark (Nifty 50) and its category all the time. It’s not as volatile as other large-cap funds and it delivers better risk-adjusted returns (measured by Sharpe). It cherry-picks stocks and takes somewhat concentrated exposure to each. Its current portfolio is a mix of the beaten-down healthcare, energy, and financials.

2. Birla Sun Life Frontline Equity (Large-cap equity fund)

A quality large-cap fund, it beats the Nifty 100 index, the representative index for large-cap stocks, all the time in both the short-term and long-term. It is similarly consistent in beating category average. It takes some exposure of around 10% in mid-cap stocks too. It maintains a higher-than-average risk-adjusted return. While financials and energy are its biggest sectors, it also holds good exposure to automobiles and consumer durables, besides dark-horses healthcare and software.

3. Mirae Asset India Opportunities (Diversified equity fund)

This fund is the best in its category in terms of consistency in beating the Nifty 500 index and category average. “Being a diversified or multi-cap fund, it can provide a mid-cap exposure while keeping a control over risk. Its risk-adjusted return is also well above the category average. Its current portfolio balances both consumer sectors and cyclical ones, allowing it to make the best of all opportunities. On an average, the fund has delivered about 7 percentage points more than its category and benchmark, when rolling 3-year returns for 5 years,” says Acharya.

4. Franklin India Prima Plus (Diversified equity fund)

This fund is able to beat its category average and the Nifty 500 index almost all the time when 3-year returns are rolled over 5 years. It is especially good at containing downsides during market corrections. A diversified fund, it puts about 30% of its portfolio in mid-cap stocks on an average, giving you a measured mid-cap exposure. Its volatility is marginally lower than the category average, while its risk-adjusted returns are much better. Its current portfolio has a significant share of financials. It also has good exposure to beaten-down sectors such as telecom and healthcare.

Rolling this fund’s 3-year returns over 5 years has it beating the CRISIL Balanced Fund – Aggressive index all the time by an average margin of 7 percentage points. “Owing to a higher-than-average exposure to equity, and within that in mid-cap and small-cap stocks, the fund’s volatility is on the higher side. Its risk-adjusted returns, though, hold strong above the category. Over the past three months, the fund reduced gilt exposure and moved into money market instruments to be on the safe side and await market movements. On the equity front, it holds a diffused portfolio. It is betting on financials, energy, and construction tempering this cyclical tilt through defensive and now contrarian software and pharma,” says Acharya.

6. Birla Sun Life Dynamic Bond (Dynamic bond fund)

This fund is consistently better than its category. It posts above-average returns and has among the best risk-adjusted returns of its category. With volatility being inherent in a dynamic bond fund, this fund has managed to keep its volatility lower than most peers. The fund has maintained an average maturity of 17-18 years for most of 2016, reaping good returns from the bond yield rally. With some steam still left, the fund can continue to deliver well. It also manages the transition of a falling rate cycle to a stable rate cycle very well, and sticks to short-term instruments at such times, allowing it to benefit when rates begin rising again.

7. HDFC Medium Term Opportunities Fund (Income fund)

This income fund is an option for those who cannot take volatility in their returns and prefer a steady approach. It predominantly takes exposure to top-rated corporate bonds, and delivers a chunk of its return through accrual (interest), and through occasional capital appreciation opportunities. It still manages to deliver above-average returns compared to other income funds that take some amount at least of credit risk. Its risk-adjusted return is close to the best in its category.

8. UTI Treasury Advantage (Ultra-short term fund)

This fund is an option for those with a short-term requirement of around one year. An ultra-short term bond fund, it keeps its average return well above its category. “Rolling the fund’s one-month returns daily over the past five years shows that it has never delivered losses unlike some ultra-short term bond funds. Its volatility is much below average. While it has some amount of its portfolio in lower-quality papers of below AAA, it is less than many of its peers. With interest rates steadily falling, this credit exposure can allow better return generation in the short term. The fund’s risk-adjusted return is much better than the category’s average,” informs Acharya.

9. HDFC Balanced (Balanced fund)

This fund holds a great record of delivering benchmark and category-beating returns across market cycles. It maintains an average equity exposure of 66-70%. While the equity holding is on par or sometimes less than peers, it also moves into mid-caps during market upswings to deliver better returns. Despite this mid-cap exposure, the fund still delivers strong risk-adjusted returns, holding above the category. On the debt side, the fund actively played the duration space throughout last year, gaining from the rally. Gilt holding has been reduced a bit of late, with a move into corporate and money market debt. In the 1, 3, and 5-year periods, the fund has beaten the CRISL Balanced Fund – Aggressive index by an impressive margin of 3-9 percentage points.

10. ICICI Prudential MIP 25 (Debt-oriented fund)

This fund scores well on staying ahead of other debt-oriented funds, which it manages nearly all the time going by its 3-year rolling return over five years. Based on this rolling return, the average margin by which it beats its benchmark CRISIL MIP Blended index is also strong at around 2 percentage points. “The fund puts around 22-25% of its portfolio in equity, going even higher sometimes. This and the active calls it makes in its debt holdings makes it more aggressive than other MIPs. Its risk-adjusted return holds above the average. It has significantly pared down its duration call, bulking up on accrual through corporate debt instead,” observes Acharya.

Get live Stock Prices from BSE and NSE and latest NAV, portfolio of Mutual Funds, calculate your tax by Income Tax Calculator, know market’s Top Gainers, Top Losers & Best Equity Funds. Like us on Facebook and follow us on Twitter.

392: What to Invest in Instead of FANG Stocks

Learn what the next group of tech stocks might be that will outperform the FANG stocks.

Here is the article from Marketwatch: https://www.marketwatch.com/story/if-the-faangs-have-got-you-down-its-time-to-win-with-the-wnsss-stocks-2018-03-29

391: Why Saving Money Can Make You Rich

Learn why saving money is so important to wealth building.

390: Debt, Appreciating Assets and Why Wealth is About Choices

Learn why wealth is about making the right choices and avoiding the wrong ones.

Just wanted to pause for a moment and ask if you knew Betterment is the largest independent online financial advisor with more than $10 billion in assets under management with more than 300,000 customers? Their service helps to improve long-term returns and lower taxes for retirement planning, building wealth, and other financial goals.

Betterment’s tax coordinated portfolio can increase a portfolio’s value by an estimated 15% over 30 years. Their annual advisory fee is only .25%, with unlimited messaging access to their team of licensed financial experts through a mobile app.

Of course, investing involves risk. For listeners of Be Wealthy & Smart, you can get up to 1 year managed free, visit http://www.betterment.com/bewealthy.

389: Best Performing International Mutual Funds for 10 Years

Learn the 5 best performing international mutual funds for 10 years.

388: Best Performing Large Cap Stocks for 10 Years

Learn what mutual funds have outperformed the S & P 500 on a 1, 3, 5, and 10 year basis.

According to Investor's Business Daily, these are the top performing mutual funds in the Large Cap category.

387: 8 Money Tips for Beginners

Learn what advice I gave to a college student/driver

who is eager to be smart with his money.

1. Pay bills on time.

2. Contribute to 401k and get free money.

3. If in between corporate gigs, contribute to an IRA

Is it all about retirement? It’s much easier the earlier you start.

You’ll need to set aside less money and be richer if you start earlier because you have compounding on your side. For example, even if you are putting away less now, you’ll have twice as much money later if you start 10 years earlier.

4. Pay off credit cards, go on cash basis if you have balances.

5. If you handle credit responsibly, get credit cards with miles for air and hotel.

6. Set spending priorities like travel, car, home, etc.

Don’t waste money on eating out and bar bills or other

things that aren’t important to you. Treat money as a tool to get what you want.

7. Save as much as you can.

8. And of course, listen to my podcasts from #1 all the way to this one!

Listen to the Wondery podcast, Safe For Work here: wondery.fm/wealthy

386: Listener Q: How Many Investment Books to Read Before Investing

Learn what investment books I recommend and also what I recommend before investing, in addition to reading.

385: Real Estate Investing and Interest Rate Cycles

Learn how to use cycles to determine when to be more cautious with investment real estate and protect your wealth.

Interest rates indicate a slowing economy.

This podcast talks about how to use interest rates when investing in real estate and how to protect your wealth.

384: 3 Ways to Stop Feeling Overwhelmed

Learn 3 things to do to stop feeling overwhelmed.

Overwhelm can slow us down, keep us from achieving goals and slow down our wealth building.

Here are 3 things to do to get out of feeling overwhelmed.

383: How to Determine Which Debt to Pay Off First

Learn which debt to pay off first and how to decide.

This is a listener question about paying off a real estate loan

on rental real estate.

I show you how to determine which debt to pay off first and

how to think through the rationale.

382: Cash for Emergencies - Part 2

Learn a true story about how cash on hand saved a family.

381: 5 Tips for Emergency Cash Management

Learn 5 tips for emergency cash management.

Yesterday, one of my Be Wealthy & Smart VIP Experience members mentioned that her bank had experienced a DDOS computer attack and that the ATM machines were not working.

Here’s what she said:

Hey Linda! If you weren’t aware, a “technical issue” took down almost all of XYZ bank yesterday. More than 24 hours later, they’re still only partially back up.

Millions of customers (me included) have been unable to access their accounts. Debit and prepaid cards aren’t working and paychecks and tax refunds are missing. It’s a huge mess. and a big wake up call to many.

I’m actually ok. My paycheck hit early Thursday morning before the outage and my debit card seems to be working. I have some groceries and about $300 cash on hand. So I’m actually fine. Not happy, but fine.

Any further suggestions on how to prepare for things like this in future? I know you’ve talked about it, just don’t remember where.

I have their accounts, plus another account at a completely different virtual bank (for emergency funds).

But the only way to access the funds is via transfer to my XYZ accounts. Maybe open an account at another local bank and link the virtual bank account there too? And clearly, I need more than $300 cash on hand.

Yes you do! Those are good questions and I’m sorry that happened to you, but I’m glad you’re being proactive to plan for a possible longer interruption of service.

I believe it is important to have a good amount of cash in your possession. Now you’ll want to know how much.

That’s not easy to answer because it depends on how much you make and how much you spend on items like groceries, gas, medicines and other necessities (for example if you have babies, diapers are a necessity for you). I’d say have about 20% of a month’s income if you can.

I also recommend having it in low denominations, not 50’s and 100’s, but 20’s, 10’s, 5’s and 1’s because it may be difficult to get change for purchases if there’s a cash shortage.

For example, a few years ago I went to Greece and it was during a banking crisis. They were limiting how much cash you could get per day from the ATM’s and cash was hard to come by.

None of the restaurants would give us any change back for our purchases! They just claimed they didn’t have any cash and we were out of luck getting any money back. A $22 lunch ended up cost $40 because they wouldn’t make change.

You never know if someday we could have a problem with electronics either by hack, natural disaster, a bank holiday or some other reason. Don’t get me wrong, I’m not predicting the end of the world. I just think it’s part of smart planning to have cash on hand.

I also think it’s smart to diversify by account. Having a brokerage account is a good complement to a bank account because you have access to a money market, which you can use for savings, in addition to your investment accounts. It’s very easy to wire the money to your bank from a brokerage if you need to transfer funds.

Not having all of your money in one institution is a good idea. You never know what can happen. Remember during the financial crisis in 2008, banks like Washington Mutual were fine one day and in need of a bailout the next.

A single deposit account is insured up to $250,000. Joint accounts are 50/50 ownership and insured up to $250,000 for each individual named on the account, totaling $500,000.

It’s Linda here. Just wanted to pause for a moment and ask

if you knew Betterment is the largest independent online financial advisor with more than $10 billion in assets under management with more than 300,000 customers?

Their service helps to improve long-term returns and lower taxes for retirement planning, building wealth, and other financial goals.

Betterment’s tax coordinated portfolio can increase a portfolio’s value by an estimated 15% over 30 years. Their annual advisory fee is only .25%, with unlimited messaging access to their team of licensed financial experts through a mobile app.

Of course, investing involves risk. For listeners of Be Wealthy & Smart, you can get up to 1 year managed free, visit

I’ll post these links in the show notes and on my website.

Now that we’ve established opening a brokerage account in addition to your bank account, let’s talk about why people switch brokerages. According to IBD and Technometrica, 25% of investors have switched their online broker in the past 5 years, vs. 18% five years ago.

The main reasons for switching are:

1. Cost - 39%. Clients are sensitive to fees and commissions.

2. Other - 21%. Not sure what that is, but we’ll come back to this.

3. Convenience - 16%. Ease of use.

4. Bad experience - 9%. Customers had bad service or a complaint with a representative.

5. Execution - 9%. Trades aren’t executed at the price expected.

Other - 21%. Not sure what that is, but I suspect it’s a catch all for everything else not mentioned above and could be research quality, etc.

Changes favored in the next year include:

Better research - 28%

Better buy lists - 26%

Wherever you decide to keep your money:

1. Diversify savings accounts by institution

2. Consider having an account at a brokerage firm in the mix

3. Keep a healthy amount of cash on hand

4. Keep a mix of lower denominations

5. Calculate how much you’ll need by thinking of how much you spend on groceries, gas, medicines, and necessities in a month or two.

380: 6 Tips to Paying Your Bills on Time and Avoiding Late Fees

Learn how to keep track of your bills so you never have to pay a late fee.

I recently saw a statistic that was startling to me:

23% of people pay bills late and have to pay late fees because they are unable to find their bills.

23% is a lot of people. That’s millions of people!

They can’t find their bills? Are they losing them in their inbox or in the mail?

It’s easy to lose electronic bills, I can understand that, but it’s a bit harder to lose a hard copy.

Think of the late fees that are happening! This is costing people hundreds of dollars per year and they could be investing that money and growing wealth.

There is also a ding that happens to your credit score when you are late.

I had a friend who had an awful time one time when she moved out of state. Her address didn’t get changed on some of her bills and as a result they were forwarded to her too late.

Some didn’t reach her for a month.

Even though she paid them as soon as she received them, because they were a month late she had a mark on her credit score that took 7 years to go away.

It’s not good to be losing your bills, so let’s talk about how to fix this.

First of all, there is no penalty for having your bills mailed to you instead of emailed. If you are a chronic late bill payer because you are losing your bills online, you can do one of two things.

You can set up your bills for automatic payment through your bank so you don’t miss a due date. Some people like this because their bills are paid automatically.

Others put their electronic bills in a folder and have a spreadsheet of the day of the month their bills come due, so each month they know when they have to be paid by.

I’m not good with spreadsheets, so I prefer the low-tech way! I

also like to review my bills before I pay them, so you might think I’m old-fashioned, but I attribute my system to my great credit score!

Most of my bills are still received by mail. When I receive them, I open them up, I look inside at the due date and write on the outside of the envelope of the bill the date it is due. I put it in a designated drawer.

As more bills come in, I repeat the process and file the new bills in by the most current date on top and oldest date in the back of the stack.

So if I have 3 bills sorted by date, it would be the soonest to pay on top, with the next soonest date due, and then the farthest date away.

I usually pay my bills online through my bank and pay them two or three days before the due date.

My mortgage is set up (with extra principal added) as an auto pay.

So let’s review what might help you find your bills and pay them on time so you can avoid late fees:

1. Open your bills immediately and record the due date on the envelope.

2. Put your bills in a designated area, whether it’s a letter holder or a drawer.

3. Keep arranging your bills by date due, with the soonest on top or in front.

4. Pay your bills 2 or 3 days before the due date.

5. Set some or all bills to autopay if you are comfortable with that. If you’re a chronic late bill payer, that’s probably your best option.

6. If you are good with spreadsheets, you can keep a spreadsheet of the dates your bills are due and refer to it at least once a week.

Staying on top of your bills will not only keep your credit score high but also save you hundreds or thousands of dollars in late fees.

379: How Positive Thinking Helps You Get Rich

Learn why positive thinking helps your wealth building.

I’ve always said creating a wealthy mindset and how you think is so important to your wealth building.

As you know, it’s Step One of the 6 Steps to Wealth.

Recently a study was done with children about whether thinking positively affected them.

So we know positivity will impact your success.

It’s like you are steering but your mind is the engine and has the power.

You have to direct it to where it will go.

Just like it impacted these kids, it also impacts you.

How you think is going to determine whether or not you reach your goals.

As Henry Ford said, “Whether you think you can or think you can’t, you’re right.”

He became one of the wealthiest men in the world.

I like to modify that a bit and say, “Whether you think you can be wealthy or think you can’t be wealthy, you’re right.”

I’m encouraging you to think yes I can!

Review episodes of how you can get your brain to think more positively by listening to podcasts 318, 313, 308, 23, and 3. You may have to go to my website to find the earlier ones at http://lindapjones.com/podcasts.

378: 10 Things to Know About the Tax Cuts and Jobs Act of 2018

Learn the 10 things you should know about the tax act.

This comes to us from CNBC.com.

This podcast clears up misnomers about the tax act.

A copy of the article is posted on my website at http://lindapjones.com. See podcast #378.

Get "11 Quick Financial Tips to Boost Your Wealth" and subscribe to my weekly newsletter with wealth building tips at LindaPJones.com.

377: 3 Savvy Tips for Dumping Debt

Learn 3 savvy things to do to get rid of debt.

I've also included my favorite way to save thousands of dollars in interest.

376: One Thing You Must Do Under the Tax Cuts and Jobs Act of 2018

Learn one crucial thing for you to review under the new tax act.

In this podcast I review some changes made under the new

legislation and the one thing you must do to be smart with your

A link to the article is on my website at www.lindapjones.com.

375: How to Begin Investing and Have the Right Investor Mindset

Learn how and where to begin investing and why it shouldn't be with individual stocks.

This is a listener question from Instagram.

She said, "I'm listening to all the podcasts, reading all recommended books (and then some) but I get stuck with hoarding knowledge/questions and not actually taking action. Still trying to figure out how to read charts, prospectuses, where do I go for p/e ratios, and what are all those other #'s and %'s, etc.?

There's the investor part of this question and the mindset part, so I'll cover both.

If you'd like to get a short wealth building idea from me each week, sign up for "11 Quick Financial Tips to Boost Your Wealth" at www.lindapjones.com.

374: What's Causing Stock Market Volatility and When Will it End?

Learn the causes of the stock market's wild swings and how to know when the bull market will resume.

373: 5 Ways to Handle Volatility

I saw one TV reporter make a big deal of a 500 pt drop because that’s what happened in the crash of 1987. Percentage-wise that was a 22% decline vs.

Yesterday the Dow dropped 567 then gained 567. Don’t pay attention to the number of points it moves, pay attention to percentages. Now that the Dow is so much higher at 25,000, it would take a drop of 5,500 points to equal 22% like in 1987.

Stock market pull backs, and crashes, are part of investing so you need to have a strategy to handle them.

Rather than hoping they won’t happen, you have to accept them as part of investing and learn what to do because the stock market drops about 10% every 11 months on average.

The Dow Jones Industrial Average has dropped 20% 12 times since the end of WWII. That’s about every 6 years.

You have 3 choices whenever there is volatility:

Buy, hold or sell.

Since there are bigger corrections every 6 years, that is the best time to buy. It will also feel the most scary. People will move from complacency to

panic. It’s just how it works.

You can hold for the long-term. It’s good to make sure your asset allocation is where you want it to be. If you are going to need the money in less than 2 years, then you may want to be aware of how much risk you are taking. Is it the right amount?

You usually don’t want to sell, because there are dead-cat bounces that happen after a large decline. Panic selling is never a good idea.

So your options are really hold or buy.

If you’re dollar cost averaging like in your 401k, then you are buying regularly and automatically. It’s common for funds to invest at the end of the month, and if the market is a little lower than the month before, then you will buy lower.

Start to think opposite of the crowd. Watch the sentiment indicators. They poll investors and tell us whether they are optimistic or bullish or pessimistic or bearish and what percentages are which.

Usually if 60% are optimistic bulls, then the market will pullback and get a little fear back.

Fear is actually good because markets are said to climb a wall of worry. When too many people are expecting it to move higher, it’s like everyone is on one side of a boat and you know what happens then.

More volatility happens until the fear comes back into the market and some move to the other side of the boat.

So here are some things to think about:

1) Is your asset allocation (percentages in small, mid, large, etc.) correct for your age and circumstances? The younger you are, the more you want in stocks.

2) Are you keeping a long-term view?

3) Volatility is part of investing. Usually the best thing to do is nothing. Just ride it through, unless you want to buy.

4) The only thing that will help is time, so give it time to work it’s way through.

5) Expect pullbacks, they are normal and eventually end.

Best Investment Plans in India and Money Saving Ideas

Top 15 Best Performing Mutual Funds in the last 5 to 10 years

Top 15 Best Performing Mutual Funds in the last 5 to 10 years

Sensex is touching new highs every week. There are several best performing mutual funds in the last 5 to 10 years. Some of the sectors like FMCG gave 20% annualised returns in the last 10 years. Which among the sectors/segments gave highest returns for mutual fund schemes? Which are the top 15 best performing mutual funds from large-cap, midcap, smallcap, diversified, balanced, tax saving / ELSS Mutual funds. This article would help you to understand which sectors performed well for mutual funds and which are the top performing mutual funds among these sectors.

How I filtered Top 15 Best Performing Mutual Funds in Last 5 to 10 years?

Here are the key parameters on how I filtered these Top Performing Mutual funds in India.

1) Mutual funds that gave highest returns in last 10 years, 5 years, 3 years, 1 year and 3 months.

2) Picked mutual fund schemes that have good rating from value research online i.e. 5 Star, 4 Star and 3 Star ratings only considered. However sector funds are not rated by VRO, hence this parameter ignored for sector funds.

3) Funds that gave consistent returns in the last 5 to 10 years are given importance rather than high returns in bull-run only.

4) Picked 2 mutual fund schemes each from large cap, midcap, smallcap, diversified and balanced segment. We have picked-up 3 mutual fund schemes each from sector funds and ELSS category.

Which are the best sectors/segments that gave highest returns for mutual fund schemes?

We have analysed and found that below sectors have given highest returns for mutual fund schemes in the last 5 to 10 years.

1) Mutual funds in FMCG segment gave 18% annualised returns in last 5 years and 20% annualised returns in the last 10 years. This segment gave highest returns among the mutual fund schemes in the last 10 years.

2) Mutual funds in Banking Sector gave 14% annualised returns in last 5 years and 15% annualised returns in last 10 years. This sector gave second highest returns among the mutual fund schemes in the last 10 years. One should keep investing in banking and financial sector as this is ever green industry.

3) Mutual funds in Small cap segment gave 28% annualised returns in last 5 years and 15% annualised returns in last 10 years. This segment gave 3rd highest returns among the mutual fund schemes in the last 10 years. One should keep investing 5% to 20% of their portfolio in small cap segment.

4) Mutual funds in Pharma Sector gave 17% annualised returns in last 5 years and 14% annualised returns in last 10 years. This sector gave 4th highest returns among the mutual fund schemes in the last 10 years. However this sector is facing downturn in the last 6 to 9 months, one should be little cautious while investing in this sector.

5) Mutual funds in Midcap segment gave 23% annualised returns in last 5 years and 13% annualised returns in last 10 years. One should keep investing 15% to 20% of their portfolio in mid-cap funds.

6) Mutual funds in Multi-cap segment gave 17% annualised returns in last 5 years and 11% annualised returns in last 10 years. One should always invest some portion of their portfolio in multicap / diversified funds.

7) Mutual funds in ELSS segment gave 18% annualised returns in last 5 years and 11% annualised returns in last 10 years. This is one fo the best ways to invest your money for tax saving and to get highest returns for your money saved for tax.

Mutual funds in Balanced segment gave 16% annualised returns in last 5 years and 11% annualised returns in last 10 years. You should invest in such funds if you are moderate to low risk taker.

9) Mutual funds in Largecap segment gave 12% annualised returns in last 5 years and 10% annualised returns in last 10 years. Largcap funds would move based on movment in SENSEX, hence one should invest good portion in largecap funds.

As indicated in my earlier articles, one should diversify their portolio by investing their money of 30% in large cap funds, 20% in multi-cap, 20% in mid-cap, 20% in smallcap segment and 10% in balanced segment. We can play with these ideal portfolios based on the risk appetitie. You may add more in mid-cap and small-cap if you are high risk taker and add more in balanced segment if you are moderate to low risk taker.

Top 15 Best Performing Mutual Funds in the last 5 to 10 years

Top#1 – Birla SL Frontline Equity (Large cap segment)

Fund Objective: This fund aims to generate long term growth of capital by diversifying across various industries/sectors in BSE 200.

Fund Performance: This fund has beaten its benchmark and provided 19% annualised returns in the last 5 years and 14% annualized returns in last 10 years. It gave 19% returns in the last 1 year in this bullrun. Value Research Online rates it as 5 Star. This one of my favorite large cap fund which performed well in the last 5 to 10 years.

Fund Objective: The scheme invests predominantly in a diversified portfolio of equity and equity related securities of top 100 companies based on market capitalization. The scheme may also invest in ADR/GDR & equities of listed overseas companies.

Fund Performance: This fund has beaten its benchmark and provided 19% annualised returns in the last 5 years and 12% annualized returns in last 10 years. It gave 19% returns in the last 1 year in this bullrun. Value Research Online rates it as 4 Star. This one of my second favorite best large cap fund that performed well in the last 5 to 10 years .

Fund Objective: This mutual fund's objective is to invest in mid sized companies.

Fund Performance: This fund has beaten its midcap benchmark and provided 25% annualised returns in the last 5 years and 18% annualized returns in last 10 years. It gave 29% returns in the last 1 year in this bullrun. Value Research Online rates it as 4 Star. This one of my favorite midcap fund that I am investing for several years now.

Fund Objective: This mutual fund's objective is to invest in mid sized companies.

Fund Performance: This fund has beaten its benchmark in midcap segment and provided 26% annualised returns in the last 5 years and 16% annualized returns in last 10 years. It gave 17% returns in the last 1 year in this bullrun. Value Research Online rates it as 3 Star. One of the good midcap mutual fund to invest in India for long term of 5-10 years.

Fund Objective: This fund’s objective is to generate long-term capital appreciation from a portfolio of small-cap companies.

Fund Performance: This fund has beaten its benchmark in smallcap segment and provided 32% annualised returns in the last 5 years and 19% annualized returns in last 10 years. It gave 28% returns in the last 1 year in this bullrun. Value Research Online rates it as 4 Star. One of the good small cap mutual fund to invest in India for long term of 5-10 years. However since the fund has grown very large, they stopped fresh investments from new investors. Existing investors should continue to invest in such good funds.

Top#6 – Franklin India Smaller Companies Fund(Smallcap segment)

Fund Objective: This fund’s objective is to generate long-term capital appreciation from a portfolio of mid-cap and small-cap companies. It invests upto 75% in smaller companies.

Fund Performance: This fund has beaten its benchmark in smallcap segment and provided 31% annualised returns in the last 5 years and 16% annualized returns in last 10 years. It gave 24% returns in the last 1 year in this bullrun. Value Research Online rates it as 4 Star. One of the top performing smallcap mutual fund to invest in India for long term of 5-10 years.

Top#7 – Franklin India High Growth Cos Mutual Fund(Multicap segment)

Fund Objective: The fund seeks to achieve capital appreciation through investments in Indian companies/sectors with high growth rates or potential. It will focus on companies offering the best trade-off between growth, risk and valuation. The fund managers will follow an active investment strategy and will be focusing on rapid growth companies which will be selected based on growth, measures such as Enterprise value, growth rate, price/earnings/growth, forward price/sales, and discounted EPS.

Fund Performance: This fund has beaten its benchmark in diversified segment and provided 24% annualised returns in the last 5 years. It gave 19% returns in the last 1 year in this bullrun. Value Research Online rates it as 5 Star. One of the good multicap mutual fund to invest in India for long term of 5-10 years.

Fund Objective: This mutual fund seeks long term growth of capital and regular income through 90% investment in equities and balance in debt and money market instruments. The scheme would adopt top-down & bottom-up approach of investing and it invests in IPO’s and emerging sectors.

Fund Performance: This fund has beaten its benchmark in multipcap segment and provided 23% annualised returns in the last 5 years and 12% annualized returns in last 10 years. It gave 29% returns in the last 1 year in this bullrun. Value Research Online rates it as 4 Star. One of the good multicap mutual fund to invest in India for long term of 5-10 years.

Top#9 – HDFC Balanced Mutual Fund (Balanced segment)

Funds objective: This mutual fund scheme aims to generate capital appreciation from a combined portfolio of equity and debt instruments. This scheme invests up to 60% in equity and balance in debt related instruments.

Fund Performance: This fund has beaten its peers in balanced fund segment and provided 18% annualised returns in the last 5 years and 16% annualized returns in last 10 years. It gave 21% returns in the last 1 year in this bullrun. Value Research Online rates it as 4 Star. One of the good balanced mutual fund to invest for medium to long term of 5-10 years.

Top#10 – Birla SL Balanced 95 Fund (Balanced segment)

Funds objective: This mutual fund scheme aims to generate capital appreciation from a combined portfolio of equity and debt instruments. This scheme invests up to 60% in equity and balance in debt related instruments.

Fund Performance: This fund has beaten its benchmark in balanced segment and provided 18% annualised returns in the last 5 years and 14% annualized returns in last 10 years. It gave 18% returns in the last 1 year in this bullrun. Value Research Online rates it as 4 Star. One of the good balanced mutual fund to invest in 2017-201 8 for medium term to long term of 5-10 years.

Fund Objective: The MF scheme aims medium to long term growth of capital along with income tax rebate. This scheme invests in equities and it has good exposure to PSU Bonds, debentures and other debt related instruments.

Fund Performance: This fund has beaten its benchmark in ELSS segment and provided 19% annualised returns in the last 5 years and 14% annualized returns in last 10 years. It gave 15% returns in the last 1 year in this bullrun. Value Research Online rates it as 4 Star. One of the good Tax Saving ELSS mutual fund for long term of 5-10 years.

Fund Objective: The mutual fund scheme aims to generate medium to long-term capital appreciation from a diversified stock portfolio of equity and equity related securities along with tax savings.

Fund Performance: This fund has beaten its benchmark in ELSS segment and provided 21% annualised returns in the last 5 years and 14% annualized returns in last 10 years. It gave 23% returns in the last 1 year in this bullrun. Value Research Online rates it as 4 Star. One of the good Tax Saving ELSS mutual funds to invest for long term of 5-10 years.

Fund Performance: This fund provided highest returns in FMCG Funds segment and provided 20% annualised returns in the last 5 years and 22% annualized returns in last 10 years. It gave 24% returns in the last 1 year in this bullrun. One of the good sector funds to invest, however it should be only for short term to medium term of 3-5 years only.

Fund Objective: The scheme aims to generate continuous returns by actively investing in equity, equity related or fixed income securities of banks. The proportion of investment between equity and debt will be decided based on the view of the fund manager on anticipated movement in both debt as well as equity markets.

Fund Performance: This fund provided highest returns in Banking Funds segment and provided 20% annualised returns in the last 5 years and 18% annualized returns in last 10 years. It gave 38% returns in the last 1 year in this bullrun. One of the good banking sector funds to invest, however it should be only for short term to medium term of 3-5 years only.

Top#15 – UTI Transportation and Logistics Fund(Sector based – Others)

Fund Objective: This fund objective to provide Capital appreciation through investments in the stocks of the companies engaged in providing transportation services, design, manufacture, distribution or sale of transportation equipment and companies in the logistics sector.

Fund Performance: This fund provided highest returns in other sector Funds segment and provided 31% annualised returns in the last 5 years and 20% annualized returns in last 10 years. It gave 25% returns in the last 1 year in this bullrun. This is one of the best sector funds to invest in 2017-18 , however it should be only for short term to medium term of 3-5 years only.

Here is the summary of all these top 15 mutual funds along with its performance

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Top 15 Best Performing Mutual Funds in the last 5 to 10 years

10 Best Performing Mutual Funds in Last One Year

It is very important for one to understand which sector, which funds have outperformed others in last one year to consider your decision in investing them or not.

Considering this, following article talks about various funds that have given phenomenal returns some of them very new, some others old. Following is the list of funds given in the highest order of their returns in last one year.

In this article

Best Performing Funds in the Last 1 Year

1) Sundaram Banking and PSU Debt Fund

This is a short-term debt fund. Its launch date is 15-March 2015. The returns of it are as given below:

Since it is newly launched fund, its performance is uncertain. But for now considering its highest returns in one year, it is kept highest in the category.

Star Rating by Groww: 1

Fund Size: ₹19 Crore.

Its main holdings are as shown below:

It invests entirely in debt sector with breakup as shown below:

Since it’s a newly launched fund, and it invests in debt sector, it can be helpful for beginners, but again the risk appetite is high which can be a problem of uncertainty.

It is an equity fund that invests mainly in small cap companies. The returns of it are as given below:

Star Rating by Groww: 4

Fund Size: ₹943 Crore.

Its main holdings are as shown below:

Since it’s a 4 star rated fund by Groww and also has consistently performed well in past few years, it has a high potential of better returns when compared to benchmark set by the market.

It is an equity fund that invests mainly in small cap companies. The returns of it are as given below:

Star Rating by Groww: 5

Minimum SIP Amount: ₹500

Fund Size: ₹2152 Crore.

Its main holdings are as shown below:

It invests entirely in debt sector with breakup as shown below:

Since it’s a 5 star rated fund by Groww, it has a high potential of better returns when compared to benchmark set by Groww. And it is a consistent performer since past years.Its top holdings mainly include Sonata Software Ltd. , Redington India Ltd. , Aarti Industries Ltd.,KEC International Ltd.

It is an equity fund that invests mainly in small cap companies. The returns of it are as given below:

Star Rating by Groww: 5

Minimum SIP Amount: ₹100

Fund Size: ₹2152 Crore.

Its main holdings are as shown below:

Since it’s a 5 star rated fund by Groww, it has a high potential of better returns when compared to benchmark set by Groww. And it is a consistent performer since past years, with some of its top holdings including Navin Fluorine International Ltd., Deepak Nitrite Ltd., Aditya Birla Finance Ltd. (91D), V I P Industries Ltd.

5) BOI AXA Manufacturing & Infrastructure Fund

It is an equity-sector fund that invests mainly in sectors of industrial manufacturing and construction. The returns of it are as given below:

Star Rating by Groww: 2

Minimum SIP Amount: ₹1000

Fund Size: ₹19 Crore.

Its main holdings are as shown below:

It’s a 2 star rated fund by Groww, also the risk is high here since it invests in particular sectors and a fraction of amount in other sectors. Its top holding companies are Larsen & Toubro Ltd., Graphite India Ltd., Power Grid Corporation of India Ltd.,etc.

It is an equity-sector fund that invests heavily in sectors of consumer goods and automobile. The returns of it are as given below:

Star Rating by Groww: 3

Minimum SIP Amount: ₹500

Fund Size: ₹704 Crore.

Its main holdings are as shown below:

Since its launch date is 28-Dec-2015, its 3 year and 5 year return is not available but it is consistently performing above the benchmark standards and its top holding companies are: ITC Ltd., Hindustan Unilever Ltd., Maruti Suzuki so it is expected that it has a very good potential to get higher returns.

It is an equity fund that invests mainly in small cap companies. The returns of it are as given below:

Star Rating by Groww: 5

Minimum SIP Amount: ₹500

Fund Size: ₹3587 Crore.

Its main holdings are as shown below:

Since it’s a 5 star rated fund by Groww, it has a high potential of better returns when compared to benchmark set by S&P BSE Small Cap. And it is a consistent performer since past years, with some of its top holdings including Sobha Ltd., Rane Holdings Ltd., Carborundum Universal Ltd.

Edelweiss Greater China Equity Offshore Fund

It invests in Funds of Funds under global category. The returns of it are as given below:

9) ICICI Prudential NV20 iWIN ETF

It comes under the Equity-ETF category of funds. ETFs track stock exchange price fluctuations or an index number and hence have varying value throughout the day unlike mutual funds. The returns of the fund is as given below:

Star Rating by Groww: 1

Fund Size: ₹7 Crore.

Its main holdings are as shown below:

It follows mainly equity large cap funds. Its top holding include Reliance Industries, Infosys and ICICI Bank. Which can help it gain far better returns in near future.

It is an equity sector fund. Its launch date is 1st Jan 2013. Its returns are shown as below:

Star Rating by Groww: 3

Fund Size: ₹459 Crore.

Risk: Moderately High

It invests mainly in consumer goods with its top holdings including ITC , Colgate Palmolive, Glaxosmithkline Consumer Health Care Ltd., Jubilant FoodWorks Ltd. which is apt for getting better returns in the future.

It is a type of equity mid cap funds, in which money is invested in stocks of companies with medium level market capitalization.

Its returns are as given below:

Star Rating by Groww: 5

Fund Size: ₹2302 Crore.

Min SIP Amount:₹1000

It invests mainly in financial services and automobile, with its top holdings including Future Retial, Minda Indutries, Bajaj Finance Ltd.

It is a type of Equity funds under the category of ELSS(Equity linked Savings Scheme). The returns of it are as given below:

It is a type of fund which invests in stocks of companies with large capitalization and hence risk factor is moderate to low. Since companies with large market cap have good will and reputation and are less prone to default.

Its returns are:

Star Rating by Groww: 4

Minimum SIP Amount: ₹1000

Fund Size: ₹1144 Crore.

Risk: Moderately High

Its main holdings are as shown below:

It’s a 3 star rated fund by Groww, with its top holdings including Kotak Mahindra, IndusInd Bank, Bharat Petroleum.

14) Edelweiss Emerging Market Opportunities Fund

It is of fund of funds type in global category. Its returns are as follows:

Star Rating by Groww: 2

Fund Size: ₹5 Crore.

Its entire holdings are in the equity sector with holdings as International Fund (JPMorgan Funds – Emerging )

15) Reliance Diversified Power Sector

It is a type of Equity Sector fund and it invests in mid cap companies of industrial manufacturing, energy Construction and metals.

We’ve seen the funds returning highest in last one year, one thing to be noted here is that higher the risk higher is the amount of returns, and to observe here we see that small and mid cap funds which involve top performing companies with small/medium capitalization give higher amount of returns.

It involves kind of good research and the risk one is willing to take to decide which funds to invest in.

We also see that some of the sector funds and ELSS funds are also in the category. Sector funds mainly invest in one or two sectors(majorly), so doing research about which sectors are going to perform extremely well in coming years, one can take advantage by investing in these funds.

Disclaimer: All views expressed are considering the author’s views. One should consider all aspects and conditions before investing.

Best Performing Mutual Funds in the Last 10 Years

Among the noteworthy observations about the best-performing mutual funds is the fact that the number-one ranked fund invests primarily in micro-cap stocks. It should be no surprise this list of top-performing funds includes a mutual fund focused on the rapidly growing biotechnology sector. In fact, if the list was extended, it would reveal that six out of the top 10 spots are occupied by biotech-focused funds. Based on their total percentage increases in net asset value (NAV) over the past 10 years, from 2005 to 2015, the following are the top four best-performing mutual funds.

1) AMG Managers Emerging Opportunities Institutional Fund

The AMG Managers Emerging Opportunities Institutional Fund was launched by AMG Funds in 1997. It has over $180 million in assets. The fund's primary investment objective is long-term capital appreciation. It typically invests 80% or more of its assets, plus borrowed investment capital, in U.S. micro-cap stocks the fund manager believes are currently undervalued or are evaluated as offering very high growth potential. The fund may continue to hold a stock in its portfolio even if the company's growth propels it above the micro-cap level after the fund acquired the company's stock.

Technology, industrial and health care sector stocks account for approximately 40% of the fund's portfolio. Among its top holdings are Universal Electronics, Inc.; Glu Mobile, Inc.; Kona Grill, Inc.; US Physical Therapy, Inc.; and The Greenbrier Companies, Inc. The fund's annual portfolio turnover ratio is 98%, which is a bit above the small-cap growth fund category average of 80%.

The expense ratio for the fund is 1.17%, notably below the category average fee level of 1.41%. The fund's 10-year increase in NAV is 718%. Morningstar rates this fund as above-average risk, but given its track record, it may well be worth consideration by any investor who wants exposure to U.S. small-cap growth stocks.

2) Janus Global Select Fund Class R Shares

The Janus Global Select Fund Class R Shares was launched by the Janus Fund Group in 2005. George Maris, a Chartered Financial Analyst (CFA) with Janus, manages the fund. It aims for capital growth, primarily by investing in approximately 50 to 60 U.S. domestic and foreign-issued stocks identified by the fund manager as offering better than average risk-adjusted growth potential. Normally, at least 40% of the fund's $2.2 billion in assets is invested in stocks of companies headquartered in countries other than the United States. The fund invests in a diverse mix of large-, mid-and small-cap companies. The Janus Global Select Fund Class R Shares may also invest in debt securities.

Significant investments of the fund other than in the U.S. include the United Kingdom, Japan, China and Germany. The fund's investments in Chinese companies are limited to those domiciled in the Special Administrative Region (SAR) of Hong Kong. The average earnings per share (EPS) growth rate for the fund's holdings is a solid 10.8%. Some of the fund's major holdings are Air Products and Chemicals, Inc.; Citigroup, Inc.; Kansas City Southern, Inc.; AIA Group Ltd.; Mitsubishi UFJ Financial Group, Inc.; Intesa Sanpaolo; and ON Semiconductor Corporation. The fund's annual portfolio turnover ratio is 55%.

The expense ratio for the Janus Global Select Fund Class R Shares is 1.44%, which is just slightly below average for the category of global stock funds. The fund has a dividend yield of 0.07%, and its 10-year percentage increase in value is 680%.

3) Guggenheim StylePlus Large Core Fund

The Guggenheim StylePlus Large Core Fund was launched in 1962. This team-managed Guggenheim fund has the investment goal of maximum capital appreciation. Under normal conditions, the fund invests a minimum of its $200 million in assets in a wide variety of stocks; American Depositary Receipts (ADRs); and convertible securities. Derivative investments include options, futures and swap agreements. The fund managers seek a blend of value and growth stocks in selecting the fund's equity holdings. The Guggenheim StylePlus Large Core Fund is primarily invested in companies with minimum market capitalizations of $5 billion. Dividends and capital gains are distributed annually.

The fund's holdings are heavily weighted with financial sector companies. Equity and derivative investments in the financial sector combined account for nearly 75% of the fund's portfolio. Some of its primary equity holdings include JPMorgan Chase & Company; General Electric Company; Apple, Inc.; and Citigroup, Inc. The fund's annual portfolio turnover ratio is 107%, which is nearly double the category average of 59%.

The Guggenheim StylePlus Large Core Fund's expense ratio is 1.45%, which is significantly above the large-cap, front-load category average of 1.05%. It offers a dividend yield of 0.8%. Fund shares increased in value 527% between 2005 and 2015.

4) ProFunds Biotechnology UltraSector Investor Fund

The ProFunds Biotechnology UltraSector Investor Fund was established in the year 2000 by ProFunds. Michael Neches is the lead ProFund Advisors manager for the fund. This fund aims to produce daily investment results that approximate 150% of the daily performance of the Dow Jones U.S. Biotechnology Index, which is designed to reflect the overall performance of U.S. equities in the biotechnology sector. The fund manager invests in equities and derivatives that he projects will produce daily returns equal to 150% of the performance of the underlying index. The fund's $760 million in assets may be invested in swaps, ADRs, equity caps, collars or floors, and options on stocks or stock indexes. Capital gains and dividends, if any, are distributed annually.

The fund's equity assets are composed of roughly an equal mix of large- and small-cap growth stocks. As the name implies, the ProFunds Biotechnology UltraSector Investor Fund is almost exclusively invested in the health care sector, specifically in biotech companies. Major holdings include Gilead Sciences, Inc.; Amgen, Inc.; Celgene Corporation; Regeneron Pharmaceuticals, Inc.; and Illumina, Inc. The fund's annual portfolio turnover ratio is 47%, which is very low for the biotechnology fund category average of 395%. Its Sharpe ratio of 1.68 indicates a risk-adjusted return significantly better than the overall market average. The fund's NAV increased 495% over the 10-year period between 2005 and 2015.